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How to Refinance Your Car Loan
More and more people are deciding to finance the purchase of their cars. According a study conducted by Experian, 84.9% of new cars were purchased with financing in 2015. In 2016, that number rose to 86.3%.
To further demonstrate the increasing amount of auto debt we’re in, the study found that the average loan amount on a new car has increased also – from $28, 711 in 2015 to $30, 032 in 2016.
If you’re part of these statistics, you may find yourself in a situation in which your monthly payments are too high for your budget. That’s when refinancing a car loan comes into the equation. This often reduces your monthly payments, and may make it easier to pay off the note faster. Here’s how to go about refinancing a car loan.
How to Refinance Your Car Loan
More and more people are deciding to finance the purchase of their cars. According a study conducted by Experian, 84.9% of new cars were purchased with financing in 2015. In 2016, that number rose to 86.3%.
To further demonstrate the increasing amount of auto debt we’re in, the study found that the average loan amount on a new car has increased also – from $28,711 in 2015 to $30,032 in 2016.
If you’re part of these statistics, you may find yourself in a situation in which your monthly payments are too high for your budget. That’s when refinancing a car loan comes into the equation. This often reduces your monthly payments, and may make it easier to pay off the note faster. Here’s how to go about refinancing a car loan.
A Review of the Hilton HHonors Card
The Hilton HHonors card from American Express is great for those who frequently stay in the Hilton chain of hotels. It offers excellent rewards, especially on travel-related purchases, and comes with complimentary Silver Status within the Hilton HHonors program.
Hilton HHonors Card Basics
This credit card is clearly geared towards the elite traveler. It offers 7 points per $1 spent on eligible purchases at participating Hilton Portfolio hotels and resorts. Plus, you’ll get 5 points per $1 spent on eligible purchases at U.S. restaurants, supermarkets, and gas stations. Lastly, you’ll earn 3 points per $1 spent on all other purchases.
The card comes with automatic Silver Status within the HHonors program. This gives you a 15% bonus on HHonors Base Points earned through the HHonors program when you stay with Hilton.
A Review of the Hilton HHonors Card
The Hilton HHonors card from American Express is great for those who frequently stay in the Hilton chain of hotels. It offers excellent rewards, especially on travel-related purchases, and comes with complimentary Silver Status within the Hilton HHonors program.
Hilton HHonors Card Basics
This credit card is clearly geared towards the elite traveler. It offers 7 points per $1 spent on eligible purchases at participating Hilton Portfolio hotels and resorts. Plus, you’ll get 5 points per $1 spent on eligible purchases at U.S. restaurants, supermarkets, and gas stations. Lastly, you’ll earn 3 points per $1 spent on all other purchases.
The card comes with automatic Silver Status within the HHonors program. This gives you a 15% bonus on HHonors Base Points earned through the HHonors program when you stay with Hilton.
5 Quick Fixes to Improve Your Credit Score
Over the past ten years, the average credit score in America has hovered in the high 600’s. This is considered a fair credit score, but definitely not excellent.
If you’re among those who have a fair credit score and are looking to improve it, you’ll have to focus on a few different financial principles. Fortunately, there are easy fixes to improve your credit score. But first, let’s take a look at how your credit score is calculated:
How Your Credit Score Is Calculated
There are a number of factors that go into calculating your credit score (and, depending where you check your score, there are even different formulas!). For ease’s sake, though, let’s go with the golden standard: the FICO. Here’s how your score formula breaks down:
5 Quick Fixes to Improve Your Credit Score
Over the past ten years, the average credit score in America has hovered in the high 600’s. This is considered a fair credit score, but definitely not excellent.
If you’re among those who have a fair credit score and are looking to improve it, you’ll have to focus on a few different financial principles. Fortunately, there are easy fixes to improve your credit score. But first, let’s take a look at how your credit score is calculated:
How Your Credit Score Is Calculated
There are a number of factors that go into calculating your credit score (and, depending where you check your score, there are even different formulas!). For ease’s sake, though, let’s go with the golden standard: the FICO. Here’s how your score formula breaks down:
5 Ways to Save Big On Things You’re Already Buying
5 Ways to Save Big on Things You Already Planned to Buy
I’ve never been the type of person to clip coupons at the grocery store. If you are like me, you may have found that proactively browsing for 10 cent deals is not a cost-effective use of time.
However, I still love a good value. Nowadays, I can leverage technology to help me save on items that I am planning to buy. Here are five ways that you can whittle an extra 1-60% off things that are already on your list.
- Shop through your credit card rewards program
I’m part of Chase’s Ultimate Reward Network. I automatically earn 1% on purchases and 5% on quarterly incentives, just by swiping my card. I also add rewards multipliers by routing my purchase through Chase.
5 Ways to Save Big On Things You’re Already Buying
5 Ways to Save Big on Things You Already Planned to Buy
I’ve never been the type of person to clip coupons at the grocery store. If you are like me, you may have found that proactively browsing for 10 cent deals is not a cost-effective use of time.
However, I still love a good value. Nowadays, I can leverage technology to help me save on items that I am planning to buy. Here are five ways that you can whittle an extra 1-60% off things that are already on your list.
- Shop through your credit card rewards program
I’m part of Chase’s Ultimate Reward Network. I automatically earn 1% on purchases and 5% on quarterly incentives, just by swiping my card. I also add rewards multipliers by routing my purchase through Chase.
Top Credit Card Fees to Watch Out For (and How to Avoid Them)
At the end of day, banks and credit card issuers are businesses. As such, one of their primary aims is to make a profit. Part of the way these companies make money, of course, is through fees.
Many people think that credit cards are bad because they get you into debt and can cost you money. Although both can be true if you use credit cards unwisely, credit cards can also serve as a powerful tool for increasing your purchasing power and providing you an extra layer of protection.
Your goal should be to reap the benefits of credit cards without paying more than you need. To do so, it’s important to know the terms that come with your credit card, especially the fees associated with it.
Here are six types of credit card fees to watch out for, and how to avoid them:
Top Credit Card Fees to Watch Out For (and How to Avoid Them)
At the end of day, banks and credit card issuers are businesses. As such, one of their primary aims is to make a profit. Part of the way these companies make money, of course, is through fees.
Many people think that credit cards are bad because they get you into debt and can cost you money. Although both can be true if you use credit cards unwisely, credit cards can also serve as a powerful tool for increasing your purchasing power and providing you an extra layer of protection.
Your goal should be to reap the benefits of credit cards without paying more than you need. To do so, it’s important to know the terms that come with your credit card, especially the fees associated with it.
Here are six types of credit card fees to watch out for, and how to avoid them:
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